Spotlight – Let’s talk money by Monika Halan #HotNewRelease #Personalfinance #Amreading

Delighted to share about this wonderful book of personal finance by none other than Monika Halan, the consultant editor at Mint with tons of experience in the area and a great heart that wanted to share her precious insights.

I am halfway through Let’s talk money and felt it would be criminal not to spread the word about such an empowering book. Shall review the book in detail a bit later. Check out the blurb below :

We work hard to earn our money. But regardless of how much we earn, the money worry never goes away. Bills, rent, EMIs, medical costs, vacations, kids’ education and, somewhere at the back of the head, the niggling thought about being under-prepared for our own retirement. Wouldn’t it be wonderful if our money worked for us just as we work hard for it? What if we had a proven system to identify dud investment schemes? What if could just plug seamlessly into a simple, jargon-free plan to get more value out of our money, and have a super good life today? India’s most trusted name in personal finance, Monika Halan offers you a feet-on-the-ground system to build financial security. Not a get-rich-quick guide, this book helps you build a smart system to live your dream life, rather than stay worried about the ‘right’ investment or ‘perfect’ insurance. Unlike many personal finance books, Let’s Talk Money is written specifically for you, keeping the Indian context in mind.

Let's Talk Money_Front

I even have an exclusive excerpt for you, with the kind permission from the author and the publishing team of Harper Collins.

Kanchan Chander is a famous Delhi-based artist; you can spot her on page 3 of the daily tabloids grinning at the camera. I happened to meet her at the home of a common friend. And as it played out, the conversation soon shifted to her money. (There was not much I knew about art anyway.) She was in the middle of a story that I had now heard hundreds of times. A pushy bank relationship manager promises a wonder insurance-cum-investment product; you trust your bank; you grew up in a time when insurance meant safety and good return, along with tax breaks. This relationship manager is very persuasive, calls many times, is very charming, looks sincerely into your eyes and gives his personal promise about the product; I’m there, he says. Kanchan’s story was no different. She wanted to put away a lump sum for two years so that she could fund her son’s art-school education in the UK. However, she was sold a fifteen-year regular-premium unit-linked insurance plan some years ago by her bank. She thought she was buying a two-year fixed deposit, but the bank had put her in a regular-premium long-term investment. She got a shock when a year later she got a message from the insurance company saying that the second premium is due. But, she had made a one-time investment, she thought. So she called her bank relationship manager. He had gone. Another smart slick-suit was there who told her that if she did not make the payment she’d lose the entire investment to costs (which she was not told at the time of investment). She protested. You signed the policy, so you should have known this, was the push back. Kanchan was devastated. Artists’ incomes are erratic and she had been banking on this money to fund her son’s education, and now it was gone. As a single parent, the blow was even harder. There was nobody to fall back upon. Chances are that you’ve already had at least one bad insurance experience by now. Either you would have got back a pittance after faithfully servicing your policy for twenty years, or you would have got trapped in a product you did not want. Or been brazenly lied to and left holding a dud product. Why do they cheat and what can you do to stay safe? Do you really need an insurance cover? What about the tax break – how will you get that if you don’t buy another policy? I’m going to take each question and then leave you with some very simple dos and don’ts. You need to treat the insurance industry and those who sell the same like walking through reptile-infested waters; you need to stay on the path that is safe. They’re out to get you. You need to look after your money. I’m not joking.

Hope you are compelled enough to check out the book on Amazon!

About the Author

Monika Halan is consulting editor and part of the leadership team at Mint. A certified financial planner, she has served as editor of Outlook Money and worked in some of India’s top media organizations, including the Indian Express, the Economic Times and Business Today. She has run four successful TV series around personal finance advice, on NDTV, Zee and Bloomberg India, and is a regular speaker on financial literacy, regulation and consumer issues in retail finance. As part of her public policy service, she is a member of SEBI’s Mutual Fund Advisory Committee. She lives in New Delhi and tweets at @monikahalan.

 

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Book Release Post. PI Agency by Neelabh Pratap Singh

Wishing all the best to friend and author Neelabh Pratap Singh upon the release of his second novel, PI Agency.

I love reading crime thrillers with female detectives or investigators. The cover seems intriguing!

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BLURB

A LADY DETECTIVE. A CLANDESTINE CARTEL. A CROOKED BATTLE.

Rashmi Purohit is a failed CBI aspirant. With no future in Indian law enforcement, she turned to working alongside the law. Now running her own agency out of her claustrophobic basement, Rashmi is dying for a notable case and a big break.

A wealthy entrepreneur with a troubled, drug-addicted son seems like the perfect client. But when Rashmi and her impetuous, barely-competent employees stumble into a Dark Web-based investment conspiracy, the detective knows she has kicked a hornet’s nest. Rashmi might just solve the case – but only if it doesn’t kill her, destroy her agency, or make her betray her father’s legacy one last time.

Here is an excerpt from the book.

For the fourth time, Rashmi Purohit called her subordinate, Akshay, but much to her disdain, he didn’t pick up the call.

Where the fuck have these idiots gone? Rashmi thought, throwing the mobile phone on the table. She checked the time on the table clock kept to her right. Bhupender Bhatia might come at any time.

A moment later, Rashmi heard a beep sound. The alarm beeped whenever anyone opened the office’s main door. She quickly glanced at the CCTV monitor. Bhatia is here.

A few weeks ago, a girl named Priya had hired Rashmi to inquire about her boyfriend, with whom she was planning a wedding. Priya suspected that her boyfriend was involved in an affair. She shared a screenshot of WhatsApp chats sent to her by another girl—her boyfriend’s colleague—with whom Priya’s boyfriend appeared to be cheating. The chats clearly showed her boyfriend having romantic talks with his colleague, and she’d sought Rashmi’s help to provide evidence. Rashmi shadowed the guy for a few weeks and concluded the case. Before she contacted Priya, she had dropped a message with the guy’s father, Bhupender Bhatia.

Bhatia stormed into the office.

“Ms Purohit, what a pathetic joke is this?” Bhatia said, his right hand stretched forward holding his mobile phone. The mobile phone showed Rashmi’s message, which she had sent a few hours ago.

Rashmi observed Bhatia’s hand trembling. He is afraid, Rashmi thought. “The truth, Mr. Bhatia.”

“You think it was I who had planned everything?” Bhatia clenched his teeth, putting his mobile phone back inside his pocket.

Rashmi noticed Bhatia’s balled fist inside his pocket. He was standing still, his shoulders raised. Okay, so you want some action. Rashmi tied her hair behind her neck into a ponytail. “Apparently, yes. I didn’t tell anything to your son or his girlfriend, Priya. I called you here to advise you to get things sorted between your son and his love, and I will not tell anyone anything.”

“What do you mean you won’t tell anyone anything? As if you would be in a position to tell anyone anything.” Bhatia swung his fist.

Rashmi jerked back sharply. I was expecting it.

“Long ago, when I was not the head of a transport company,” Bhatia growled, “I rumbled with ten men. You don’t stand a chance, ladki.”

She’d marginally escaped the first blow, but she wasn’t quick enough to dodge the second one. Her mind blacked out for a moment, and she began to fall. She held the edge of the table. She heard her phone ringing. The name displayed ‘Akshay Arora’.

The phone ring distracted Bhatia for a moment, and Rashmi noticed that. She grabbed the table clock and threw it at Bhatia. She tapped on the call accept button on the mobile phone and put it on the loudspeaker. “Arora, where the hell are you guys?”

“Boss, we are out for golgappas,” Akshay’s electronic voice radiated out of the mobile phone’s loudspeaker.

Rashmi had deliberately picked the call and put the call on loudspeaker. She hoped that it would distract Bhatia, and was also optimistic that Bhatia might stop after hearing someone else’s voice.

But only the former happened. A table clock wasn’t enough to hurt Bhatia, let alone stopping him.

Bhatia looked down at the fallen table clock and smirked. “What are you going to do next? Attack me with a toy?”

“Arora, I want you here in two minutes, or else I’ll pull off your golgappas,” Rashmi swore as she picked up a rolling chair and threw it at Bhatia.

Bhatia tried to duck, but the chair hit him anyway.

“Oh, the toy seemed to hit you quite hard.”

Bhatia looked even more furious now. He approached Rashmi, swinging alternatively and aggressively, like a maniac.

Rashmi blocked every blow with her forearms. Enough of the self-defence, Rashmi thought. She lifted her right leg and struck it sharply against the left side of Bhatia’s ribcage. Bhatia bent down a little, crying in pain. Without putting her right leg on to the ground, Rashmi repeated the action, but this time, against Bhatia’s left thigh. Bhatia collapsed on the floor like a demolished building.

Rashmi caught her breath for a while and watched Bhatia lying crumpled on the floor. “I was just respecting your age, uncle,” Rashmi said, finally punching Bhatia’s face.

Intrigued? I am reading the book and it sure promises to be a great read to all detective fiction lovers. Buy your copy from Amazon

ABOUT AUTHOR

Neelabh Pratap Singh is a mechanical engineer by profession and works with the premium British motorcycle manufacturer, Triumph Motorcycles. Apart from being surrounded by superbikes, he keeps himself surrounded with books. He is an avid reader and a passionate storyteller. He started writing as a blogger, writing short stories for various platforms. His passion for storytelling led him to take up the gargantuan task of writing a full-fledged novel. The Resurrection of Evil is his debut book. He lives in Gurgaon with his wife.

Connect with the author:

Email: neelabhpratap.singh@gmail.com

Facebook: /authorneelabh

Twitter: @authorneelabh

Instagram: @authorneelabh

 

Cover Reveal – Mauri, Book 2 of Abhaya Collection

Back after a really long hiatus and I have news!

There is going to be a new addition to the Abhaya Universe!

Mauri, the second book of Abhaya collection is set to release on 9th June 2018 on Amazon Kindle Store. Set in the times of Mahabharata, the books explore lesser known stories of the timeless epic of India from the perspectives of strong female protagonists. The opening Title, Abhaya, was released on Kindle store in November 2015 and has received praise from acclaimed authors and reviewers.

“Abhaya allows us to delve into the world of our ancestors and Gods through the route of great storytelling and a brilliant narrative. A thoroughly enjoyable read” – Amish Tripathi

About Mauri

She wanted to kill the man who others called a God.

Love is but an obstacle in her path

With her father’s death shattering her world, Mauri is torn away from everything she had once loved. Anger replacing every emotion within her, she seeks only one thing. To kill her father’s killer. Even if the man is none less than Krishna Vaasudeva, the man who people worshipped as a God! Someone stands in the way, reining in her bitterness when she is least prepared for it. The Rakshasa Prince Ghatotkacha! But by the time love sprouts within her, Mauri has gone too far in her thirst for vengeance.

Can Mauri save herself and Ghatotkacha before the consequences of her own actions can destroy both their worlds?

mauri

Excerpt

The smile on Ghatotkacha’s face faded the moment he saw the figure that had appeared atop the wall. Unknown to him, his fists curled over his club and heart fought against the searing pain of the memory. The memory of betrayal. His intensified gaze and a placid forehead contrasted each other. No more of this. Not now!

Mauri saw him. Like he commanded a new surge of energy after their last meeting. Mauri had little in her defence. And she had other things on her mind before she could take an interest in defending herself. In fact, she had no wish to defend her past actions. Face it! But her predicament sorely needed external help and his demeanour did not leave much hope. Mauri steeled her heart and inhaled. She was going to need all her energies for this!

She forced a smile onto her lips and looked at him, trying to summon her old self. “So, we have visitors!” she thundered, glancing at his small band of Rakshasa followers. “But I regret to inform you that the temple is closed to pilgrims indefinitely.”

“Closed to pilgrims, open to monstrous rogues and their heartless little minions.” Ghatotkacha retorted. “Perhaps there needs to be a change.”

Her guilt notwithstanding, Mauri was not going to brook being called names, much less, being called a minion to a crafty coward like Alambusha. Still, his pain when he uttered the word ‘heartless’ did not go unnoticed by her. Her frown narrowed, fighting back any traces of regret. In vain though. “Change comes at a price, Rakshasa Prince, sorry, King. Though I must say the population under your command has dwindled too much for one to still consider you a king.” She could see his annoyance mounting. Something amused her about it. “So tell me what you can pay, Ghatotkacha!”

Ghatotkacha threw his head up and shrugged looking around. “I would have loved to play a game of word parlay. Except this is no stage and there is no audience to enjoy the exchange.” His eyes betrayed impatience. “I come to keep a promise. A promise of protection that was given to this sacred place under the rule of my uncle, Emperor Yudhishtira. My demand is clear, daughter of late commander Mura. Open the gates, surrender the rogue Rakshasa traitors to me. Open up this temple of the Supreme Goddess to those who deserve to see Her.”

“I asked for a price you could pay and you repeat the demand. By the Goddess, someone needs to grow up!” Mauri sneered back and leaned against a pole, feigning nonchalance. This was all going nowhere—her show of hostility, his mounting anger, Dhatri’s life in danger, and Alambusha preferring to hide inside the inner circle. She needed to break away. She struck upon a frantic plan, praying all Gods for its success. “There seems to be only one language you understand. Defeat me, and you can have a free pass inside.”

Read More from Mauri, to be released on 9th of June 2018 only on Amazon Kindle.